Working Capital Loan2017-09-20T22:07:03+00:00

Working Capital Loan

This is a government-assisted loan which has very low interest rate. Maximum loan quantum is capped at S$300k with a repayment period up to 5 years. Interest rate would be subject to the assessments of risks involved. To help SMEs access working capital loans, the Standards, Productivity and Innovation Board (SPRING) shares the risk of loan defaults with Participating Financial Institutions (PFIs) in the event of company insolvency.


  • Local incorporated company
  • Established for at least 1 year
  • Annual sales turnover with at least S$300k and above
  • With at least 30% local shareholdings
  • Group annual sales of ≤ S$100m or group employment size ≤ 200 (Annual sales turnover and employment size will be computed on a group basis (i.e. All levels up for corporate shareholders holding > 50% of total shareholding of the applicant company and any subsequent corporate parents, and subsidiaries all levels down)

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